# LAKEVIEW
Ashtabula, OH · NCUA charter 14584 · asset band $100-200M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/lakeview-14584

Who the members are: federal charter, community charter, organized 1961, low-income designated. 8,014 members of 329,000 potential (2.4% of the field); checking penetration 59% (share draft accounts per 100 members); loans per 100 members 36.

**Verdict on the desk:** this could be *quiet fade*. Composite score 2 of 18 (one point per flag across 17 flags, capital below 7% counted twice).

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $153.2M |
| Members | 8,014 (-4.2% YoY) |
| Full-time staff | 21 |
| Net worth | $19.8M |
| Net worth ratio | 12.9% (p66 of band) |
| ROA (annualized) | 1.29% (p83 of band) |
| Total delinquency | 0.23% (p18 of band) |
| Net charge-offs (annualized) | 0.04% (p14 of band) |
| Loans / shares | 44% (p12 of band) |
| Cash / assets | 14.1% |
| Borrowings / assets | 0.00% |
| Net interest margin | 3.24% (p26 of band) |
| Operating expense / assets | 2.56% (p14 of band) |
| Vehicles % of loans | 11% (p8 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 0% |
| Third-party paper % of net worth | 0% (p16 of band) |
| Vehicle delinquency | 0.30% (p29 of band) |
| Vehicle NCO | 0.34% (p39 of band) |
| Repossessed % of vehicle book | 0.00% (p32 of band) |
| Real estate % of loans | 74% |
| Credit cards % of loans | 1% |
| Unsecured % of loans | 3% |
| Commercial % of net worth | 22% |
| Core shares % of member funds | 43% |
| Certificates % of member funds | 17% |
| Average share balance | $8,290 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | – |
| Loans outstanding per 100 members | 36% |
| Loans granted per 100 members, annualized | 4% |
| Average loan balance | $20,556 |
| Loans granted, annualized | $12.9M |

## Flags firing in the latest filing

- **delinquency rising** (`aq_dq_rising`)
- **members leaving** (`shrink_members`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 0 |  |  |
| 2016-06 | 0 |  |  |
| 2016-09 | 0 |  |  |
| 2016-12 | 0 |  |  |
| 2017-03 | 0 |  |  |
| 2017-06 | 0 |  |  |
| 2017-09 | 0 |  |  |
| 2017-12 | 0 |  |  |
| 2018-03 | 0 |  |  |
| 2018-06 | 0 |  |  |
| 2018-09 | 0 |  |  |
| 2018-12 | 0 |  |  |
| 2019-03 | 1 | delinquency rising |  |
| 2019-06 | 1 |  |  |
| 2019-09 | 1 |  |  |
| 2019-12 | 0 |  | delinquency rising |
| 2020-03 | 0 |  |  |
| 2020-06 | 1 | net worth falling |  |
| 2020-09 | 1 |  |  |
| 2020-12 | 2 | margin squeeze |  |
| 2021-03 | 2 |  |  |
| 2021-06 | 2 |  |  |
| 2021-09 | 1 |  | net worth falling |
| 2021-12 | 1 | delinquency rising | margin squeeze |
| 2022-03 | 3 | net worth falling, delinquency 2x band |  |
| 2022-06 | 1 |  | net worth falling, delinquency 2x band |
| 2022-09 | 1 |  |  |
| 2022-12 | 0 |  | delinquency rising |
| 2023-03 | 0 |  |  |
| 2023-06 | 0 |  |  |
| 2023-09 | 0 |  |  |
| 2023-12 | 1 | members leaving |  |
| 2024-03 | 1 |  |  |
| 2024-06 | 1 |  |  |
| 2024-09 | 2 | delinquency rising |  |
| 2024-12 | 2 |  |  |
| 2025-03 | 2 |  |  |
| 2025-06 | 1 |  | delinquency rising |
| 2025-09 | 0 |  | members leaving |
| 2025-12 | 2 | delinquency rising, members leaving |  |
| 2026-03 | 2 |  |  |

## In the news (Google News, unfiltered, newest first; check the city)

- 2026-05-15 [Pitbull Setlist: What to Expect on the 2026 I’m Back! Tour - Ticketmaster Blog](https://news.google.com/rss/articles/CBMiWkFVX3lxTE13UlhrRjZJdFE0U2Q3M0pHclVWTXNpWUVOWmNuUmc3d1FMNTVSTVh4QTd1cGdBY0dQWU9QV19hMVd4WnhpMEFNeDZYVGVWUF9sUWJlY2ZWb01FZw?oc=5) · Ticketmaster Blog
- 2025-12-13 [Geneva Chamber hands out honors at annual dinner - gazettenews.com](https://news.google.com/rss/articles/CBMifkFVX3lxTFBBVUp1N2NlME1jMGEwczJYSWhCTGVtMVZ2UDdvT0I4U0tBSGJVN2gzdTY2T0wtRzk3dURuWllRU0VPSldvbW1oVi1SdGtjTkcxbVZwam9kVlhGRUVNdXlYdXlaNEs5aFFLM2YyS3hnTkxWQ3hKMWE1eU5UODA3Zw?oc=5) · gazettenews.com
- 2026-02-03 [Godsmack Announce Jones Beach Show on 2026 “Rise of Rock” World Tour - NYS Music](https://news.google.com/rss/articles/CBMioAFBVV95cUxPQjkzSFFkUWJDRzFVSDIzVTZWNGE2M212a3ktd0pmaUxPakhWQ2xIcThPcUJIT01oUE5sZGQ0cWJObGxrRGdGeU9IMDhyQmtDN2x1ZnJGQ3g5ZGoyRm5OVmFRRHctNkVHYVQ4T3BsYXRzRG9taDFJR0c3S0xuN2hReW5fZkFBcUFFakt2M0gwRS1pRUprZVp6Uzhra2kwVUxk?oc=5) · NYS Music
- 2026-05-24 [Jason Aldean Announces 22-City Songs About Us Tour This Summer Behind His 31st Career Number One - That Eric Alper](https://news.google.com/rss/articles/CBMi1AFBVV95cUxObFFZc3B4ZFJ5YlAyTUFMVnlRa2l6Zk91b18yVHF0NGlKVG9LeTVjREt0NFlOZnlkUmtDbjNqeWhBc3hYaEwzbmpFYXgyek5qdFdmOXMxQ2xsNmNDcVlYWDF4eEJuLVcyNXZ3c3ZDY2RIR2txcmxyNkMzY1ppR3dUS1hZOUY1cC1mdnNhdUlzaDBqaVUtcEg0TlNfVnZqcC1vUl8wdDZDRkp2YzFoOXV1M25TTWdqS1RQMVhGSFFtc3hWZEt6ZHJIbFhXX3pRSWpoY0J1WA?oc=5) · That Eric Alper
- 2026-01-13 [Five Finger Death Punch Announce Massive 20th Anniversary 2026 U.S. Tour - Loudwire](https://news.google.com/rss/articles/CBMiaEFVX3lxTFBkTmh6TGo4MkdueTNxdU9CRmc5S2VoTjU3SExsQlhrNHlTSGxmblZJSXhPbXlPREtsSnFjMG9lMnBXMlpQU1dKQktyWjhyd3FrOE83Ty0wbFYzMlJ6UDJ4R21XSmZOWUhM?oc=5) · Loudwire
- 2026-06-11 [Jelly Roll Concert Setlist: Discover the Average Song List - Ticketmaster Blog](https://news.google.com/rss/articles/CBMiXkFVX3lxTE0tcHU2XzAyVTB0SnJwLXpzYTQ4VDhJdGJMNXVZaU02RmZMMTEtbFQxRTE1YnpZSUxyZzBqRkZZcFp1WjZkU0FxSGdhVlRjWms2aEJLQ0luNUl2aUlVU2c?oc=5) · Ticketmaster Blog
- 2025-01-28 [Dave Matthews Band showing out for a two-night stand in Camden - WXPN](https://news.google.com/rss/articles/CBMiV0FVX3lxTE4zQ2R5UnJxNEFHclNyYnIxYkZVeGd4M25OeTh2QnZxdEJBQ0pWUnJvdGlPaXE5VU5RRWRsZS1EV0pURWNWZ3BRQjNleThSYV94ck1xVjhFQQ?oc=5) · WXPN
- 2026-01-13 [Five Finger Death Punch Joins Forces With Cody Jinks For Massive “20th Anniversary World Tour” - That Eric Alper](https://news.google.com/rss/articles/CBMizwFBVV95cUxQa3ctZ2RnU18td1ZveUs5XzY2RDRNY2ZRTEtMVXhrNHJPdHNQd3V6TmdrNnJlRmd1ZndxQW5VdVZYQzBNRk9TR0s1el9sZGdCS2xlSTJXbUtYUFRlTThobXREb1lQS2xBcG1vZ3ZGTE1XNzVUc1Ewdk5yNWVmWGRBX2pGYkZpZ19zSEp0NkFmT3JPczYwblZ3dXVuOXMzMU9QUnFvbVI4NmF0TzdLd2szVGRpX0w1akpLbHBnX0xKa0M1MTlwcFBmT3ZuVUI5ejg?oc=5) · That Eric Alper

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=14584 (every cell opens its formula and NCUA account codes; the News tab is the same search)
- Latest row, JSON: https://getbookiq.com/cu-intel/data/summary.json · history: https://getbookiq.com/cu-intel/data/h/56.json (key "14584", columns cycle, assets, loans, shares, networth, nwr, roa, total_dq_pct, total_nco_pct, vehicle, veh_pct_loans, indirect, ind_pct_veh, ind_veh, ind_re, ind_comm, ind_other, ind_pct_loans, loans_n, granted_n_ytd, granted_ann, loan_pen, granted_pen, avg_loan_bal, loans_per_fte, veh_part, tp_pct_nw, veh_dq_pct, veh_nco_pct, repo_pct_veh, members_yoy, ltos, cash_pct, borrow_pct, nim_pct, opex_pct, risk_score, members, fte, cash_total, invest_sec, allowance_eff, int_income_ytd, int_exp_ytd, provision_eff_ytd, nonint_income_ytd, nonint_exp_ytd, net_income_ytd, n_flags, re_pct_loans, cc_pct_loans, comm_pct_loans, cert_pct_shares, core_pct_shares, part_buy_ann, part_sell_ann, pot_members, sh_draft_n, chk_pen, fom_pen, flags)
- Participation history: https://getbookiq.com/participation-desk/#cu=14584
- Field definitions: https://getbookiq.com/dictionary/#cu-ltos and the rest of the credit union dictionary
- Source: NCUA 5300 call report bulk files. Income fields are annualized by cycle month (Mar x4, Jun x2, Sep x4/3, Dec x1). Percentiles are within the asset band in the same quarter.

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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide